Factors affecting consumer acceptance of electronic cash in China: an empirical study

【Author】 Qu, Bo; Wei, Li; Zhang, Yujia

【Source】FINANCIAL INNOVATION

【影响因子】6.793

【Abstract】This paper proposes and validates a comprehensive model of consumer acceptance in the context of offline e-cash payment. It modifies the unified theory of acceptance and the use of technology model (UTAUT) with constructs of perceived security, cost of use, and government policy. Data collected from 4428 questionnaires about users' attitudes toward e-cash is used to apply a structural equation model which, in turn, assesses the predictive model. The empirical results indicate that perceived security and cost of use are beneficial extensions to the traditional UTAUT model, and intention is a key antecedent to users' actual utilization of e-cash. In addition, the demographic moderators are found to have significant effects on the relations among the variables. These results are useful to e-cash development and significant to the issue of Digital Currency Electronic Payment.

【Keywords】Electronic cash acceptance; UTAUT; SEM; DCEP

【发表时间】2022 FEB 1

【收录时间】2023-02-15

【文献类型】实证数据

【主题类别】

区块链治理-市场治理-市场分析